When you are filing a personal injury lawsuit, there are many legal terms that you will hear and need to understand. Two of those are bodily injury and personal injury. While they may sound similar, there are significant differences in their definitions and legal meanings.
Bodily injury refers to any physical pain, disability, or illness that compromises your physical well being, resulting from another’s wrongful actions or inaction. Serious bodily injury is any physical harm that increases the risk of death or causes disfigurement, impairment, or loss of a limb or organ.
The courts reserve the term bodily injury to refer only to physical injuries, even if you have suffered other damages such as emotional distress. It is most commonly used in criminal law and car accident cases.
For example, if another person is at fault in your car accident, bodily injury liability coverage will cover your costs like medical bills. However, you may also qualify for personal injury compensation, but your bodily injury and fault must be proven.
In Missouri, all drivers must carry insurance with bodily injury liability limits of at least $25,000 per person and $50,000 per accident.
Personal injury refers to a broad spectrum of lawsuits related to physical or emotional and psychological injuries caused by another party. For instance, grounds for a personal injury claim can involve an accident at work, a car crash, or a defective product, but also something like defamation that doesn’t result in physical injuries.
There are various elements involved in personal injury law that can impact your claim and the amount of compensation you can recover.
If you or someone you love was recently injured in an accident in St. Louis, we can advise you on the best course of action for your particular case. We will help you navigate the claims process and fight for the maximum amount of compensation available under the law. Contact us today for a free consultation, online, or by calling (314) 888-1000.